Citizens Financial Group, Inc. (CFG)
NYSE: CFG · Real-Time Price · USD
64.37
-0.56 (-0.86%)
At close: Nov 3, 2026, 4:00 PM EST
64.37
0.00 (0.00%)
After-hours: Nov 3, 2026, 7:00 PM EST
Citizens Financial Group Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 2,268 | 1,831 | 1,509 | 1,608 | 2,073 | 2,319 |
Depreciation & Amortization | 156 | 207 | 230 | 224 | 322 | 390 |
Other Amortization | 271 | 271 | 268 | 254 | 243 | 235 |
Gain (Loss) on Sale of Assets | -32 | -24 | -18 | -28 | -9 | -11 |
Provision for Credit Losses | 536 | 608 | 687 | 687 | 474 | -411 |
Net Decrease (Increase) in Loans Originated / Sold - Operating | 2 | -414 | -24 | 98 | 1,733 | 1,085 |
Change in Other Net Operating Assets | -2,047 | -306 | -571 | 273 | -858 | -962 |
Other Operating Activities | -29 | -82 | -177 | -242 | 57 | -429 |
Operating Cash Flow | 1,258 | 2,211 | 2,001 | 2,961 | 4,119 | 2,275 |
Operating Cash Flow Growth | -55.89% | 10.50% | -32.42% | -28.11% | 81.05% | 1949.55% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Capital Expenditures | -165 | -174 | -122 | -172 | -126 | -124 |
Cash Acquisitions | - | - | - | - | -255 | -165 |
Investment in Securities | -2,275 | -1,224 | -2,400 | -4,486 | -5,128 | -2,810 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | -7,500 | -4,222 | 5,602 | 9,967 | -6,257 | -6,021 |
Other Investing Activities | -635 | -347 | -93 | -61 | -871 | -1,366 |
Investing Cash Flow | -10,575 | -5,967 | 2,987 | 5,248 | -12,637 | -10,486 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Short-Term Debt Issued | - | 58 | - | 502 | - | - |
Long-Term Debt Issued | - | 8,534 | 13,185 | 25,983 | 24,617 | - |
Total Debt Issued | 20,351 | 8,592 | 13,185 | 26,485 | 24,617 | - |
Short-Term Debt Repaid | - | - | -505 | - | -95 | -154 |
Long-Term Debt Repaid | - | -9,744 | -14,286 | -28,418 | -19,691 | -1,352 |
Total Debt Repaid | -13,189 | -9,744 | -14,791 | -28,418 | -19,786 | -1,506 |
Net Debt Issued (Repaid) | 7,162 | -1,152 | -1,606 | -1,933 | 4,831 | -1,506 |
Repurchase of Common Stock | -775 | -600 | -1,050 | -906 | -153 | -295 |
Preferred Stock Issued | 395 | 393 | 392 | - | - | 296 |
Preferred Share Repurchases | -400 | -400 | -300 | - | - | -250 |
Common Dividends Paid | -793 | -755 | -769 | -808 | -779 | -670 |
Preferred Dividends Paid | -138 | -133 | -134 | -120 | -113 | -113 |
Total Dividends Paid | -931 | -888 | -903 | -928 | -892 | -783 |
Net Increase (Decrease) in Deposit Accounts | 5,217 | 8,537 | -2,566 | -3,382 | 6,146 | 7,197 |
Other Financing Activities | -35 | -8 | 18 | 21 | -25 | -23 |
Financing Cash Flow | 10,633 | 5,882 | -6,015 | -7,128 | 9,907 | 4,636 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Cash Flow | 1,316 | 2,126 | -1,027 | 1,081 | 1,389 | -3,575 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 1,093 | 2,037 | 1,879 | 2,789 | 3,993 | 2,151 |
Free Cash Flow Growth | -59.85% | 8.41% | -32.63% | -30.15% | 85.63% | - |
Free Cash Flow Margin | 13.02% | 26.67% | 26.38% | 37.00% | 52.91% | 30.48% |
Free Cash Flow Per Share | 2.55 | 4.66 | 4.14 | 5.85 | 8.36 | 5.03 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash Interest Paid | 4,040 | 4,040 | 4,375 | 3,640 | 989 | 347 |
Cash Income Tax Paid | 151 | 151 | 208 | 375 | 183 | 1,247 |